- Competitive fixed rate gives you affordable, predictable payments for a fixed term
- Consolidate high-interest debt and credit cards or make a special purchase
- No prepayment penalty
- Loans up to $250,000
- Interest may be tax-deductible (consult your tax advisor)
- Owner-occupied and investment property acceptable
Automatic Transfer Discount
Make your minimum monthly payments through an automatic transfer from your Kinecta checking or savings account, and your rate will be reduced by 0.25%.
 Fixed Annual Percentage Rate (APR) for the life of the loan. No standard appraisal fees, points, or closing costs, subject to certain qualifications (up to $500 in fees are waived unless loan is closed within the first 36 months). Good credit required. A $100,000 loan amount financed at 7.25% (7.25% APR) with 0 points and 80% CLTV would result in 180 monthly principal and interest payments of $912.86. Payment example does not include taxes and insurance, therefore payment obligation will be greater. Annual fee of $75 is waived with $10,000 average daily balance for 12 months. Rates apply to loans on owner-occupied 1-2 unit family property types with a Combined Loan to Value (CLTV) of up to 80%. Maximum loan amount $250,000. Rates and terms are effective as of 10/1/09 and are subject to change. Rates may vary based on credit score and occupancy type. All loans are subject to credit approval and verification of equity. Full documentation and property insurance is required. Title insurance may be required. Other Home Equity products are also available.
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